Frequently Asked Questions

As an independent broker, we represent you, not the carriers. We provide unbiased advice, access to multiple options, and expert negotiation to secure better rates and terms. Plus, our local presence means personalized, responsive service without the bureaucracy of dealing with large insurers alone.

Our services are commission-based, meaning there's no direct cost to you; the carriers compensate us.

We provide tailored employee benefit packages for businesses of all sizes, from small startups to large enterprises. Our offerings include a variety of plans, such as fully insured, level funded, self-funded, PEO, and major lines with ancillary carriers, crafted to meet your needs and budget. We collaborate closely with you to design solutions that enhance employee satisfaction while ensuring cost-effective coverage.

List of carriers we represent:

Compliance is core to our process. We conduct thorough audits during implementation and provide ongoing support, including setup for Section 125 plans (for tax advantages) and COBRA services (for former employees). Our team stays updated on regulations to protect your business from penalties.

Absolutely. We design flexible, compliant programs that accommodate diverse locations, including multi-state plans and virtual enrollment tools like Employee Navigator for seamless access anywhere.

Yes! We specialize in small to mid-sized businesses and can often secure group rates even for teams as small as two employees. Let's explore options like fully insured, level-funded, or self-funded plans to make benefits more affordable and scalable.

Medicare is a federal health insurance program primarily for people aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. It helps cover hospital stays, doctor visits, prescription drugs, and other healthcare services, making quality care accessible and affordable.

Medicare and Medicaid are both government health care programs, but they are very different. Medicare is generally for people who are older or disabled. Medicaid is for people with limited income and resources.

We provide access to Medicare Advantage (Part C), Medigap (supplemental insurance), and Part D prescription drug plans, dental, vision, hearing, home healthcare, short-term care, critical illness, final expense, and hospital indemnity insurance. We tailor options to your health needs, budget, and preferred providers.

As your local, independent broker, we offer unbiased expertise and access to a wide range of plans from top carriers. We simplify the process, save you time, and find the best coverage for your needs—all with personalized, hands-on support at no additional cost

Our services are commission-based, meaning no fees for you—carriers compensate us, and our work doesn’t increase your premiums. We’re transparent about costs from the start to ensure your comfort.

We ensure you enroll during the right periods, like the Initial Enrollment Period (IEP) or Special Enrollment Periods (SEP), to avoid penalties. We also explain how plans interact with other coverage, like employer plans or COBRA.

We specialize in transitions from employer plans to Medicare. We’ll explain coordination of benefits, COBRA interactions, and when to enroll in Medicare Parts A and B to ensure seamless coverage.

Life insurance provides financial security for your loved ones or business, covering expenses like income replacement, debts, or funeral costs. It’s a way to ensure peace of mind and protect your legacy.

Online quick quotes often miss the nuances of your needs. As your local, independent broker, we offer personalized guidance, access to top carriers, and tailored solutions at no extra cost, ensuring you get the right policy for your situation.

Our services are commission-based, meaning no fees for you—carriers compensate us, and our work doesn’t increase your premiums. We’re transparent about costs from the start.

It depends on your goals, budget, and stage of life. For example, term life is great for temporary needs, while whole life or universal life suits long-term planning. We’ll assess your needs during intake to recommend the best fit.

The process typically takes a few weeks, depending on the carrier and underwriting requirements. We guide you through each step, from application to medical exams (if needed), to ensure efficiency.

Yes! Business life insurance, like key person coverage or buy-sell agreements, protects your company from financial loss due to the death of a critical employee or partner. We’ll tailor solutions to your business needs.

We’re here to help. We’ll assist with the claims process, communicating with the carrier on your behalf to ensure a smooth and timely resolution.